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Can I Use Credit Wisely Without Falling Into Debt? · Becoming Financially Confident

• 0:00
  Credit
• 0:00
  cards,
• 0:01
  loans,
• 0:01
  credit
• 0:02
  scores.
• 0:03
  It's
• 0:03
  a
• 0:04
  world
• 0:04
  that
• 0:04
  can
• 0:04
  feel
• 0:04
  confusing,
• 0:05
  it
• 0:05
  can
• 0:06
  feel
• 0:06
  overwhelming,
• 0:07
  and
• 0:07
  let's
• 0:07
  be
• 0:07
  honest,
• 0:09
  downright
• 0:10
  terrifying.
• 0:11
  Especially
• 0:11
  if
• 0:12
  you've
• 0:12
  been
• 0:12
  burned
• 0:12
  by
• 0:13
  credit
• 0:13
  before.
• 0:14
  You're
• 0:15
  probably
• 0:15
  asking
• 0:15
  yourself,
• 0:16
  is
• 0:16
  it
• 0:16
  even
• 0:16
  possible
• 0:17
  to
• 0:17
  touch
• 0:17
  credit
• 0:18
  without
• 0:18
  falling
• 0:19
  back
• 0:19
  into
• 0:19
  that
• 0:20
  debt
• 0:20
  trap?
• 0:21
  Maybe
• 0:22
  you
• 0:22
  think
• 0:22
  it's
• 0:22
  the
• 0:22
  devil's
• 0:23
  tool,
• 0:23
  maybe
• 0:23
  you
• 0:23
  just
• 0:23
  don't
• 0:24
  trust
• 0:24
  yourself.
• 0:26
  But
• 0:26
  what
• 0:26
  if
• 0:26
  I
• 0:26
  told
• 0:26
  you
• 0:27
  that
• 0:27
  avoiding
• 0:27
  credit
• 0:28
  entirely
• 0:29
  might
• 0:29
  actually
• 0:29
  be
• 0:30
  holding
• 0:30
  you
• 0:30
  back?
• 0:31
  Stick
• 0:31
  with
• 0:32
  me
• 0:32
  today
• 0:32
  because
• 0:32
  we're
• 0:32
  tackling
• 0:33
  that
• 0:33
  uncomfortable
• 0:34
  truth
• 0:34
  on
• 0:34
  today's
• 0:35
  show.
• 0:37
  This
• 0:37
  is
• 0:38
  Financially
• 0:38
  Confident
• 0:39
  Christian,
• 0:39
  your
• 0:40
  daily
• 0:40
  dose
• 0:40
  of
• 0:40
  gospel
• 0:41
  grounded
• 0:41
  insight
• 0:42
  and
• 0:42
  faith
• 0:42
  driven
• 0:43
  tips
• 0:43
  to
• 0:43
  help
• 0:44
  you
• 0:44
  break
• 0:44
  the
• 0:44
  cycle
• 0:44
  of
• 0:45
  financial
• 0:45
  shame
• 0:45
  with
• 0:46
  confidence.
• 0:50
  Hey
• 0:50
  there.
• 0:50
  Welcome
• 0:51
  back
• 0:51
  to
• 0:51
  your
• 0:51
  Daily
• 0:52
  Financially
• 0:52
  Confident
• 0:53
  Christian.
• 0:54
  I'm
• 0:54
  Ralph
• 0:54
  and
• 0:55
  it's
• 0:55
  great
• 0:55
  to
• 0:55
  connect
• 0:56
  with
• 0:56
  you
• 0:56
  again
• 0:56
  today.
• 0:57
  This
• 0:57
  is
• 0:57
  the
• 0:57
  show
• 0:58
  that
• 0:58
  helps
• 0:58
  you
• 0:58
  answer
• 0:59
  that
• 0:59
  question.
• 1:00
  How
• 1:00
  can
• 1:00
  I
• 1:01
  become
• 1:02
  a
• 1:02
  financially
• 1:03
  confident
• 1:04
  Christian?
• 1:04
  As
• 1:05
  we
• 1:05
  continue
• 1:05
  our
• 1:06
  series
• 1:06
  dealing
• 1:07
  with
• 1:07
  the
• 1:07
  stress
• 1:07
  of
• 1:08
  money
• 1:08
  worries,
• 1:09
  we've
• 1:09
  made
• 1:10
  huge
• 1:10
  strides
• 1:11
  tackling
• 1:11
  existing
• 1:12
  debt
• 1:12
  and
• 1:12
  building
• 1:13
  habits
• 1:13
  to
• 1:14
  prevent
• 1:14
  new
• 1:14
  debt,
• 1:15
  like
• 1:15
  avoiding
• 1:15
  those
• 1:16
  impulse
• 1:16
  buys
• 1:17
  and
• 1:17
  strengthening
• 1:18
  your
• 1:18
  emergency
• 1:19
  fund.
• 1:20
  Today
• 1:20
  we're
• 1:20
  going
• 1:20
  to
• 1:21
  dive
• 1:21
  headfirst
• 1:21
  into
• 1:22
  a
• 1:22
  topic
• 1:22
  that
• 1:23
  often
• 1:23
  feels
• 1:23
  like
• 1:24
  a
• 1:25
  credit.
• 1:27
  For
• 1:27
  too
• 1:27
  many,
• 1:28
  credit
• 1:28
  has
• 1:28
  been
• 1:28
  a
• 1:29
  source
• 1:29
  of
• 1:29
  crushing
• 1:30
  stress
• 1:30
  and
• 1:31
  soul
• 1:31
  sucking
• 1:32
  debt.
• 1:33
  It's
• 1:33
  the
• 1:33
  monster
• 1:34
  under
• 1:34
  the
• 1:34
  bed,
• 1:34
  the
• 1:35
  financial
• 1:35
  boogeyman.
• 1:37
  For
• 1:37
  them
• 1:37
  and
• 1:37
  for
• 1:38
  others,
• 1:38
  it's
• 1:38
  a
• 1:38
  necessary
• 1:39
  tool,
• 1:39
  the
• 1:39
  key
• 1:40
  to
• 1:40
  buying
• 1:40
  a
• 1:40
  home,
• 1:41
  securing
• 1:42
  a
• 1:42
  car,
• 1:42
  or
• 1:42
  even
• 1:43
  building
• 1:44
  a
• 1:44
  successful
• 1:45
  business.
• 1:46
  So
• 1:46
  let's
• 1:47
  get
• 1:47
  real
• 1:47
  today.
• 1:48
  Can
• 1:48
  you
• 1:49
  actually
• 1:49
  use
• 1:49
  credit
• 1:50
  wisely
• 1:50
  in
• 1:50
  your
• 1:51
  financial
• 1:51
  life
• 1:52
  without
• 1:52
  falling
• 1:53
  back
• 1:53
  into
• 1:53
  the
• 1:53
  stress
• 1:54
  and
• 1:54
  trap
• 1:55
  of
• 1:55
  debt?
• 1:57
  And
• 1:57
  look,
• 1:57
  I
• 1:57
  get
• 1:58
  it.
• 1:58
  Maybe
• 1:59
  you've
• 1:59
  sworn
• 1:59
  off
• 2:00
  credit
• 2:00
  cards
• 2:00
  entirely.
• 2:01
  You
• 2:02
  cut
• 2:02
  them
• 2:02
  up,
• 2:02
  you
• 2:03
  burn
• 2:03
  them,
• 2:03
  you
• 2:03
  buried
• 2:04
  them
• 2:04
  in
• 2:04
  the
• 2:04
  backyard
• 2:06
  because
• 2:07
  they
• 2:07
  caused
• 2:07
  you
• 2:07
  so
• 2:08
  much
• 2:08
  difficulty
• 2:09
  in
• 2:09
  the
• 2:09
  past.
• 2:11
  You
• 2:11
  say
• 2:11
  to
• 2:12
  yourself,
• 2:12
  I've
• 2:12
  been
• 2:13
  there,
• 2:13
  I've
• 2:13
  done
• 2:13
  that.
• 2:13
  I've
• 2:13
  got
• 2:14
  the
• 2:14
  T
• 2:14
  shirt
• 2:15
  and
• 2:15
  I've
• 2:16
  also
• 2:16
  got
• 2:16
  that
• 2:16
  overwhelming
• 2:17
  interest
• 2:17
  statements
• 2:18
  to
• 2:18
  prove
• 2:18
  it.
• 2:19
  Perhaps
• 2:20
  you
• 2:20
  know
• 2:20
  deep
• 2:20
  down
• 2:22
  you
• 2:22
  might
• 2:22
  need
• 2:22
  credit
• 2:23
  someday
• 2:23
  for
• 2:23
  a
• 2:24
  major
• 2:24
  purchase,
• 2:25
  maybe
• 2:25
  a
• 2:25
  home,
• 2:26
  a
• 2:26
  car
• 2:26
  and
• 2:27
  education,
• 2:29
  but
• 2:29
  the
• 2:30
  very
• 2:30
  thought
• 2:30
  of
• 2:30
  using
• 2:30
  it
• 2:31
  fills
• 2:31
  you
• 2:31
  with
• 2:32
  paralyzing
• 2:32
  anxiety.
• 2:34
  You
• 2:35
  have
• 2:35
  this
• 2:35
  very
• 2:35
  real
• 2:36
  fear
• 2:36
  that
• 2:36
  you
• 2:36
  won't
• 2:37
  be
• 2:37
  able
• 2:37
  to
• 2:37
  handle
• 2:37
  it
• 2:37
  responsibly
• 2:38
  and
• 2:38
  you
• 2:39
  fear
• 2:39
  repeating
• 2:39
  those
• 2:40
  past
• 2:40
  mistakes
• 2:41
  again.
• 2:42
  The
• 2:43
  struggle
• 2:43
  here
• 2:43
  is
• 2:43
  intense.
• 2:44
  It's
• 2:44
  that
• 2:44
  tension
• 2:45
  between
• 2:45
  the
• 2:46
  perceived
• 2:46
  necessity
• 2:47
  or
• 2:47
  benefit
• 2:48
  of
• 2:48
  credit
• 2:48
  in
• 2:49
  today's
• 2:49
  world
• 2:49
  and
• 2:50
  the
• 2:50
  very
• 2:50
  real
• 2:51
  visceral
• 2:52
  fear
• 2:52
  of
• 2:52
  overspending,
• 2:53
  of
• 2:54
  accumulating,
• 2:54
  crippling
• 2:55
  interest
• 2:56
  and
• 2:56
  ending
• 2:56
  up
• 2:57
  back
• 2:57
  in
• 2:57
  that
• 2:57
  suffocating
• 2:58
  cycle
• 2:59
  of
• 2:59
  debt.
• 2:59
  Stress
• 3:01
  and
• 3:01
  maybe
• 3:01
  you
• 3:01
  feel
• 3:02
  like
• 3:02
  it's
• 3:02
  an
• 3:02
  all
• 3:02
  or
• 3:03
  nothing
• 3:03
  game.
• 3:03
  Either
• 3:04
  you
• 3:04
  avoid
• 3:04
  credit
• 3:05
  completely
• 3:05
  and
• 3:06
  potentially
• 3:06
  limit
• 3:06
  your
• 3:07
  future
• 3:07
  or
• 3:07
  or
• 3:08
  you
• 3:08
  risk
• 3:08
  financial
• 3:09
  ruin.
• 3:11
  See
• 3:11
  this
• 3:11
  lack
• 3:11
  of
• 3:12
  understanding
• 3:12
  or
• 3:12
  confidence
• 3:13
  in
• 3:13
  using
• 3:14
  credit
• 3:14
  responsibly
• 3:15
  isn't
• 3:15
  just
• 3:16
  an
• 3:16
  inconvenience
• 3:18
  for
• 3:18
  many.
• 3:19
  It's
• 3:19
  a
• 3:19
  source
• 3:19
  of
• 3:20
  ongoing
• 3:20
  stress
• 3:21
  for
• 3:21
  countless
• 3:22
  financially
• 3:23
  confident
• 3:23
  Christians.
• 3:24
  It's
• 3:24
  a
• 3:24
  silent
• 3:25
  battle
• 3:26
  that
• 3:26
  many
• 3:27
  of
• 3:27
  you
• 3:27
  are
• 3:27
  fighting.
• 3:29
  But
• 3:29
  here's
• 3:29
  the
• 3:29
  bombshell.
• 3:31
  Credit
• 3:31
  itself
• 3:32
  is
• 3:32
  not
• 3:32
  evil.
• 3:34
  Let
• 3:34
  that
• 3:34
  sink
• 3:34
  in
• 3:35
  for
• 3:35
  a
• 3:35
  minute.
• 3:36
  Credit
• 3:36
  itself
• 3:37
  is
• 3:37
  not
• 3:37
  evil.
• 3:38
  It's
• 3:38
  not
• 3:38
  the
• 3:38
  devil's
• 3:39
  tool.
• 3:39
  It's
• 3:40
  simply
• 3:40
  a
• 3:40
  tool.
• 3:41
  And
• 3:42
  like
• 3:42
  any
• 3:42
  tool,
• 3:42
  a
• 3:43
  hammer,
• 3:43
  a
• 3:43
  knife,
• 3:44
  or
• 3:44
  even
• 3:44
  your
• 3:45
  tongue,
• 3:45
  think
• 3:45
  about
• 3:45
  that
• 3:46
  one.
• 3:47
  It
• 3:47
  can
• 3:47
  be
• 3:47
  used
• 3:47
  for
• 3:48
  incredible
• 3:48
  good
• 3:49
  or
• 3:49
  for
• 3:49
  terrible
• 3:50
  harm,
• 3:51
  depending
• 3:51
  entirely
• 3:52
  on
• 3:53
  the
• 3:53
  user's
• 3:54
  wisdom
• 3:54
  and
• 3:54
  discipline.
• 3:56
  Think
• 3:57
  about
• 3:57
  it.
• 3:59
  Building
• 3:59
  a
• 3:59
  good
• 3:59
  credit
• 3:59
  history
• 4:00
  can
• 4:00
  be
• 4:00
  an
• 4:00
  act
• 4:00
  of
• 4:01
  wise
• 4:01
  stewardship.
• 4:02
  It
• 4:03
  opens
• 4:03
  doors.
• 4:03
  It
• 4:04
  allows
• 4:04
  you
• 4:04
  to
• 4:04
  obtain
• 4:05
  favorable
• 4:06
  terms
• 4:06
  on
• 4:06
  a
• 4:06
  mortgage,
• 4:07
  potentially
• 4:08
  saving
• 4:08
  you
• 4:09
  tens
• 4:09
  of
• 4:09
  thousands
• 4:10
  of
• 4:10
  dollars
• 4:10
  over
• 4:10
  the
• 4:11
  lifetime
• 4:11
  of
• 4:11
  a
• 4:11
  loan.
• 4:13
  It
• 4:13
  can
• 4:14
  be
• 4:14
  the
• 4:14
  difference
• 4:14
  between
• 4:15
  pursuing
• 4:15
  a
• 4:15
  dream
• 4:16
  and
• 4:16
  being
• 4:16
  stuck.
• 4:18
  But
• 4:19
  here's
• 4:19
  the
• 4:19
  catch.
• 4:21
  The
• 4:21
  crucial
• 4:22
  often
• 4:22
  ignore
• 4:23
  truth
• 4:23
  is
• 4:23
  this.
• 4:23
  It
• 4:24
  requires
• 4:24
  strict
• 4:25
  God
• 4:25
  given
• 4:26
  self
• 4:26
  control.
• 4:28
  And
• 4:28
  this
• 4:29
  connects
• 4:29
  directly
• 4:29
  to
• 4:30
  biblical
• 4:30
  principles
• 4:30
  of
• 4:31
  wisdom,
• 4:31
  to
• 4:31
  biblical
• 4:32
  principles
• 4:32
  of
• 4:33
  self
• 4:33
  discipline
• 4:34
  and
• 4:34
  managing
• 4:35
  the
• 4:35
  resources
• 4:36
  that
• 4:36
  God
• 4:36
  has
• 4:37
  entrusted
• 4:37
  to
• 4:38
  us
• 4:38
  faithfully.
• 4:40
  See,
• 4:40
  using
• 4:40
  credit
• 4:41
  wisely
• 4:41
  isn't
• 4:42
  just
• 4:42
  about
• 4:42
  financial
• 4:43
  savvy.
• 4:43
  It's
• 4:44
  about
• 4:44
  managing
• 4:44
  a
• 4:45
  powerful
• 4:45
  tool
• 4:45
  with
• 4:45
  diligence,
• 4:46
  with
• 4:47
  self
• 4:47
  control
• 4:48
  and
• 4:48
  trusting
• 4:49
  God
• 4:49
  for
• 4:49
  the
• 4:50
  discipline
• 4:50
  needed
• 4:51
  to
• 4:51
  avoid
• 4:51
  its
• 4:52
  very
• 4:52
  real
• 4:52
  pitfalls.
• 4:54
  It's
• 4:54
  about
• 4:55
  you
• 4:55
  using
• 4:55
  the
• 4:56
  tool
• 4:56
  for
• 4:56
  your
• 4:56
  benefit,
• 4:57
  for
• 4:57
  your
• 4:58
  freedom,
• 4:58
  rather
• 4:59
  than
• 4:59
  letting
• 4:59
  the
• 4:59
  tool
• 5:00
  control
• 5:00
  you
• 5:00
  and
• 5:01
  enslave
• 5:01
  you
• 5:02
  and
• 5:02
  steal
• 5:03
  your
• 5:03
  peace.
• 5:05
  So
• 5:06
  what
• 5:06
  can
• 5:06
  we
• 5:06
  do?
• 5:07
  How
• 5:08
  do
• 5:08
  you,
• 5:08
  my
• 5:08
  friend
• 5:08
  who's
• 5:09
  listening
• 5:09
  right
• 5:09
  now,
• 5:09
  navigate
• 5:10
  this
• 5:10
  treacherous
• 5:11
  world
• 5:11
  of
• 5:12
  credit
• 5:12
  in
• 5:12
  a
• 5:12
  way
• 5:12
  that
• 5:13
  builds
• 5:13
  your
• 5:13
  financial
• 5:14
  health
• 5:14
  without
• 5:14
  leading
• 5:15
  you
• 5:15
  straight
• 5:15
  back
• 5:16
  to
• 5:16
  debt
• 5:17
  and
• 5:17
  back
• 5:17
  to
• 5:17
  stress?
• 5:18
  Well,
• 5:19
  my
• 5:19
  single
• 5:19
  essential
• 5:20
  and
• 5:20
  non
• 5:20
  negotiable
• 5:21
  solution
• 5:21
  is
• 5:22
  this.
• 5:23
  You
• 5:23
  must
• 5:24
  approach
• 5:24
  credit
• 5:25
  usage
• 5:25
  with
• 5:25
  strict
• 5:26
  faith
• 5:26
  fueled
• 5:27
  self
• 5:27
  discipline,
• 5:28
  committing
• 5:28
  to
• 5:29
  only
• 5:29
  charging
• 5:30
  what
• 5:30
  you
• 5:30
  can
• 5:30
  already
• 5:30
  afford.
• 5:31
  And
• 5:32
  hear
• 5:32
  me
• 5:32
  on
• 5:32
  this
• 5:32
  part.
• 5:33
  And
• 5:33
  paying
• 5:33
  off
• 5:34
  the
• 5:34
  entire
• 5:34
  statement
• 5:35
  balance
• 5:35
  every
• 5:36
  single
• 5:37
  month.
• 5:37
  Yes,
• 5:38
  you
• 5:38
  heard
• 5:38
  me
• 5:38
  right.
• 5:39
  Every
• 5:40
  single
• 5:40
  month.
• 5:41
  And
• 5:41
  listen,
• 5:41
  this
• 5:41
  isn't
• 5:42
  some
• 5:42
  trick.
• 5:42
  It's
• 5:43
  the
• 5:43
  only
• 5:43
  way.
• 5:44
  It's
• 5:45
  the
• 5:45
  only
• 5:45
  way
• 5:45
  that
• 5:45
  you
• 5:46
  can
• 5:46
  use
• 5:46
  credit
• 5:46
  as
• 5:47
  a
• 5:47
  convenience,
• 5:47
  as
• 5:48
  a
• 5:48
  tool
• 5:48
  to
• 5:48
  build
• 5:48
  credit
• 5:49
  history,
• 5:49
  never
• 5:50
  as
• 5:50
  a
• 5:50
  way
• 5:50
  to
• 5:50
  spend
• 5:51
  money
• 5:51
  you
• 5:52
  don't
• 5:52
  have,
• 5:52
  actually
• 5:53
  have.
• 5:53
  That's
• 5:53
  what
• 5:53
  gets
• 5:54
  so
• 5:54
  many
• 5:54
  people
• 5:54
  in
• 5:54
  trouble.
• 5:55
  They
• 5:55
  spend
• 5:55
  money
• 5:55
  they
• 5:56
  don't
• 5:56
  have.
• 5:56
  And
• 5:57
  this
• 5:57
  radical
• 5:57
  commitment
• 5:58
  is
• 5:58
  the
• 5:59
  key
• 5:59
  to
• 5:59
  using
• 5:59
  credit
• 6:00
  as
• 6:00
  a
• 6:00
  convenience
• 6:01
  or
• 6:01
  what
• 6:01
  we'll
• 6:02
  call
• 6:02
  a
• 6:02
  score
• 6:02
  building
• 6:03
  tool,
• 6:04
  not
• 6:05
  as
• 6:05
  a
• 6:05
  means
• 6:05
  of
• 6:06
  borrowing
• 6:06
  money
• 6:06
  you
• 6:06
  don't
• 6:07
  have,
• 6:07
  or
• 6:07
  worse,
• 6:08
  money
• 6:08
  that
• 6:08
  you
• 6:08
  cannot
• 6:09
  even
• 6:09
  pay
• 6:10
  back.
• 6:11
  So
• 6:12
  here's
• 6:12
  my
• 6:12
  one
• 6:13
  undeniable
• 6:13
  action
• 6:14
  step
• 6:14
  for
• 6:14
  today.
• 6:15
  Specifically
• 6:15
  focused
• 6:16
  on
• 6:16
  using
• 6:17
  credit
• 6:17
  responsibly.
• 6:18
  This
• 6:19
  is
• 6:19
  where
• 6:19
  the
• 6:19
  rubber
• 6:20
  meets
• 6:20
  the
• 6:20
  road,
• 6:20
  as
• 6:21
  they
• 6:21
  say.
• 6:22
  If
• 6:22
  you
• 6:22
  have
• 6:22
  credit
• 6:23
  cards,
• 6:23
  you've
• 6:24
  got
• 6:24
  to
• 6:24
  make
• 6:24
  this
• 6:24
  agreement.
• 6:25
  I
• 6:26
  commit
• 6:26
  to
• 6:26
  pay
• 6:26
  in
• 6:27
  full.
• 6:28
  So
• 6:28
  if
• 6:28
  you
• 6:28
  currently
• 6:28
  have
• 6:29
  one
• 6:29
  or
• 6:29
  more
• 6:29
  credit
• 6:30
  cards,
• 6:30
  make
• 6:30
  a
• 6:31
  concrete,
• 6:31
  binding
• 6:32
  commitment
• 6:32
  to
• 6:33
  yourself
• 6:33
  today,
• 6:34
  right
• 6:34
  now,
• 6:34
  as
• 6:35
  you
• 6:35
  listen,
• 6:36
  moving
• 6:36
  forward,
• 6:37
  you
• 6:37
  will
• 6:37
  only
• 6:37
  use
• 6:38
  them
• 6:38
  for
• 6:38
  purchases
• 6:39
  that
• 6:39
  are
• 6:39
  already
• 6:39
  budgeted
• 6:40
  for
• 6:40
  and
• 6:41
  for
• 6:41
  which
• 6:41
  you,
• 6:41
  and
• 6:41
  hear
• 6:42
  me
• 6:42
  on
• 6:42
  this
• 6:42
  part,
• 6:43
  one
• 6:43
  for
• 6:43
  which
• 6:43
  you
• 6:44
  already
• 6:44
  have
• 6:44
  the
• 6:44
  cash
• 6:45
  available
• 6:46
  to
• 6:46
  pay
• 6:46
  for
• 6:46
  it.
• 6:47
  And
• 6:47
  your
• 6:48
  goal
• 6:48
  is
• 6:48
  to
• 6:48
  pay
• 6:49
  that
• 6:49
  statement
• 6:49
  balance
• 6:50
  off
• 6:50
  in
• 6:50
  full
• 6:51
  every
• 6:51
  single
• 6:52
  month
• 6:52
  before
• 6:53
  any
• 6:53
  interest
• 6:54
  accrues.
• 6:56
  This
• 6:56
  means
• 6:56
  that
• 6:57
  you
• 6:57
  will
• 6:57
  never,
• 7:00
  never
• 7:01
  pay
• 7:01
  interest.
• 7:02
  You
• 7:02
  will
• 7:03
  pay
• 7:03
  zero
• 7:04
  interest.
• 7:06
  Now
• 7:07
  you're
• 7:07
  probably
• 7:07
  thinking,
• 7:07
  Ralph,
• 7:08
  how
• 7:08
  does
• 7:08
  this
• 7:08
  help?
• 7:08
  How
• 7:09
  can
• 7:09
  this
• 7:09
  really
• 7:10
  make
• 7:10
  a
• 7:10
  difference?
• 7:13
  Well,
• 7:13
  here's
• 7:13
  how.
• 7:13
  This
• 7:14
  single
• 7:14
  action
• 7:14
  plan,
• 7:15
  it
• 7:15
  directly
• 7:15
  fights
• 7:16
  that
• 7:16
  struggle
• 7:17
  of
• 7:17
  accumulating
• 7:17
  that
• 7:18
  high
• 7:18
  interest
• 7:18
  debt.
• 7:19
  It
• 7:19
  allows
• 7:20
  you
• 7:20
  to
• 7:20
  potentially
• 7:21
  benefit
• 7:21
  from
• 7:21
  using
• 7:22
  credit
• 7:22
  like
• 7:22
  building
• 7:23
  that
• 7:23
  crucial
• 7:24
  credit
• 7:24
  score,
• 7:24
  earning
• 7:25
  those
• 7:25
  credit
• 7:26
  reward
• 7:26
  points
• 7:28
  without
• 7:28
  devastating
• 7:29
  cost
• 7:29
  of
• 7:30
  interest.
• 7:30
  And
• 7:30
  that
• 7:31
  soul
• 7:31
  crushing
• 7:32
  stress
• 7:32
  that
• 7:33
  debt
• 7:33
  puts
• 7:33
  on
• 7:33
  so
• 7:34
  many
• 7:34
  people.
• 7:35
  And
• 7:36
  it
• 7:36
  just
• 7:36
  reinforces
• 7:37
  self
• 7:37
  discipline.
• 7:38
  It
• 7:38
  keeps
• 7:38
  you
• 7:39
  firmly
• 7:39
  in
• 7:39
  control
• 7:40
  of
• 7:40
  your
• 7:40
  spending.
• 7:41
  It
• 7:41
  aligns
• 7:41
  your
• 7:41
  credit
• 7:42
  usage
• 7:42
  with
• 7:42
  your
• 7:43
  budget,
• 7:43
  with
• 7:43
  your
• 7:44
  financial
• 7:45
  goals.
• 7:46
  And
• 7:46
  hear
• 7:46
  me
• 7:46
  on
• 7:46
  this
• 7:47
  part,
• 7:48
  and
• 7:48
  most
• 7:48
  importantly,
• 7:50
  with
• 7:50
  your
• 7:51
  faith.
• 7:52
  Well,
• 7:52
  let's
• 7:52
  pray
• 7:52
  together.
• 7:54
  Father
• 7:54
  God,
• 7:54
  thank
• 7:55
  you
• 7:55
  for
• 7:55
  giving
• 7:55
  us
• 7:56
  the
• 7:56
  capacity
• 7:56
  for
• 7:57
  wisdom
• 7:59
  and
• 7:59
  Lord,
• 7:59
  the
• 7:59
  capacity
• 8:00
  for
• 8:00
  self
• 8:01
  control.
• 8:02
  And
• 8:02
  we
• 8:02
  confess
• 8:03
  that
• 8:03
  using
• 8:03
  credit
• 8:04
  can
• 8:04
  feel
• 8:04
  incredibly
• 8:05
  risky.
• 8:05
  And
• 8:06
  we
• 8:06
  sometimes
• 8:07
  struggle
• 8:07
  with
• 8:07
  the
• 8:08
  overwhelming
• 8:08
  temptation
• 8:09
  to
• 8:10
  overspend,
• 8:10
  to
• 8:11
  fall
• 8:11
  into
• 8:11
  the
• 8:12
  trap.
• 8:12
  Lord,
• 8:14
  please
• 8:14
  grant
• 8:14
  us
• 8:14
  the
• 8:15
  discipline
• 8:15
  needed
• 8:16
  to
• 8:16
  use
• 8:16
  credit
• 8:16
  responsibly.
• 8:17
  Help
• 8:17
  us
• 8:18
  to
• 8:18
  see
• 8:18
  it
• 8:18
  as
• 8:18
  a
• 8:19
  tool,
• 8:19
  nothing
• 8:20
  more,
• 8:20
  not
• 8:20
  a
• 8:21
  means
• 8:21
  to
• 8:21
  live
• 8:22
  beyond
• 8:22
  our
• 8:23
  means.
• 8:23
  Lord,
• 8:24
  strengthen
• 8:25
  our
• 8:25
  resolve
• 8:25
  to
• 8:25
  pay
• 8:26
  off
• 8:26
  any
• 8:26
  credit
• 8:27
  card
• 8:27
  balance
• 8:27
  in
• 8:27
  full
• 8:28
  every
• 8:28
  single
• 8:29
  month.
• 8:29
  And
• 8:29
  Lord,
• 8:29
  we
• 8:30
  just
• 8:30
  ask
• 8:30
  that
• 8:30
  you
• 8:30
  will
• 8:30
  protect
• 8:31
  us
• 8:31
  from
• 8:31
  the
• 8:31
  pitfalls
• 8:32
  of
• 8:32
  debt
• 8:32
  and
• 8:33
  guide
• 8:33
  us
• 8:33
  in
• 8:33
  using
• 8:34
  all
• 8:34
  of
• 8:34
  our
• 8:35
  financial
• 8:35
  tools
• 8:36
  in
• 8:36
  a
• 8:36
  way
• 8:37
  that
• 8:37
  honors
• 8:37
  you
• 8:38
  and
• 8:38
  in
• 8:38
  a
• 8:39
  way
• 8:39
  that
• 8:39
  brings
• 8:39
  us
• 8:39
  true
• 8:40
  lasting
• 8:41
  peace.
• 8:42
  And
• 8:43
  we
• 8:43
  ask
• 8:43
  this
• 8:43
  in
• 8:44
  confidence
• 8:44
  in
• 8:45
  Jesus
• 8:45
  name.
• 8:46
  Amen.
• 8:47
  My
• 8:47
  friend.
• 8:47
  Responsible
• 8:48
  credit
• 8:48
  usage
• 8:49
  is
• 8:49
  not
• 8:50
  just
• 8:50
  possible,
• 8:51
  it's
• 8:51
  a
• 8:51
  critical
• 8:51
  component
• 8:52
  of
• 8:52
  truly
• 8:53
  confident
• 8:54
  financial
• 8:54
  living.
• 8:55
  But
• 8:55
  it
• 8:55
  does
• 8:55
  demand
• 8:56
  constant
• 8:56
  vigilance
• 8:57
  and
• 8:58
  it
• 8:58
  does
• 8:58
  demand
• 8:59
  strong
• 8:59
  self
• 9:00
  control.
• 9:02
  So
• 9:02
  commit
• 9:02
  to
• 9:03
  paying
• 9:03
  that
• 9:03
  balance
• 9:03
  in
• 9:04
  full
• 9:04
  each
• 9:04
  month.
• 9:04
  It's
• 9:05
  the
• 9:05
  absolute
• 9:05
  non
• 9:06
  negotiable
• 9:06
  key
• 9:07
  to
• 9:07
  using
• 9:07
  credit
• 9:08
  without
• 9:08
  the
• 9:08
  stress
• 9:08
  of
• 9:09
  debt.
• 9:09
  The
• 9:09
  this
• 9:09
  is
• 9:10
  not
• 9:10
  just
• 9:10
  a
• 9:10
  suggestion,
• 9:12
  it's
• 9:13
  a
• 9:13
  command
• 9:14
  for
• 9:14
  your
• 9:14
  financial
• 9:15
  freedom.
• 9:15
  And
• 9:16
  if
• 9:16
  navigating
• 9:16
  credit
• 9:17
  feels
• 9:17
  challenging,
• 9:18
  do
• 9:18
  me
• 9:18
  a
• 9:18
  favor
• 9:18
  and
• 9:19
  share
• 9:19
  this
• 9:19
  episode
• 9:19
  with
• 9:20
  someone
• 9:20
  else
• 9:20
  who
• 9:20
  may
• 9:21
  be
• 9:21
  struggling.
• 9:22
  There's
• 9:22
  other
• 9:22
  people
• 9:23
  who
• 9:23
  are
• 9:23
  battling
• 9:23
  this
• 9:24
  same
• 9:24
  thing
• 9:24
  right
• 9:24
  now
• 9:25
  and
• 9:25
  you
• 9:25
  can
• 9:25
  find
• 9:26
  resources
• 9:26
  and
• 9:27
  connect
• 9:27
  with
• 9:27
  the
• 9:27
  show
• 9:27
  at
• 9:28
  our
• 9:28
  website.
• 9:28
  That's@financially
• 9:30
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• 9:32
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• 9:32
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• 9:32
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• 9:32
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• 9:32
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• 9:33
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• 9:33
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• 9:33
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• 9:33
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• 9:34
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• 9:34
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• 9:35
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• 9:35
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• 9:35
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• 9:41
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• 9:47
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• 9:48
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• 9:48
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• 9:49
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• 9:49
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• 9:49
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• 9:59
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• 10:00
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• 10:00
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• 10:00
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• 10:01
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• 10:01
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• 10:01
  be
• 10:01
  peeling
• 10:01
  back
• 10:01
  the
• 10:02
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• 10:02
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• 10:02
  understanding
• 10:03
  your
• 10:03
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• 10:03
  report
• 10:04
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• 10:04
  your
• 10:04
  credit
• 10:05
  score
• 10:05
  and
• 10:05
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• 10:06
  those
• 10:06
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• 10:07
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• 10:07
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• 10:08
  and
• 10:08
  how
• 10:08
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• 10:08
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• 10:09
  impact
• 10:09
  your
• 10:09
  financial
• 10:10
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• 10:10
  You
• 10:11
  don't
• 10:11
  want
• 10:11
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• 10:11
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• 10:11
  it,
• 10:11
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• 10:12
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• 10:12
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• 10:12
  you
• 10:12
  join
• 10:13
  me
• 10:13
  tomorrow.
• 10:13
  Now
• 10:14
  let's
• 10:14
  all
• 10:14
  go
• 10:14
  out
• 10:14
  there
• 10:15
  and
• 10:15
  be
• 10:16
  financially
• 10:16
  confident
• 10:17
  Christians.
• 10:18
  You
• 10:19
  can
• 10:19
  do
• 10:19
  this.
• 10:20
  I
• 10:20
  have
• 10:21
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• 10:21
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• 10:21
  you,
• 10:22
  have
• 10:22
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• 10:23
  in
• 10:23
  yourself.
• 10:23
  Stay
• 10:24
  financially
• 10:24
  savvy.
• 10:25
  God
• 10:25
  bless
• 10:26
  you
• 10:26
  and
• 10:26
  you
• 10:26
  have
• 10:27
  a
• 10:27
  great
• 10:27
  day
• 10:27
  today.
• 10:28
  Thank
• 10:28
  you
• 10:28
  for
• 10:28
  joining
• 10:29
  us
• 10:29
  today
• 10:29
  on
• 10:29
  the
• 10:30
  Financially
• 10:30
  Confident
• 10:31
  Christian
• 10:31
  show,
• 10:32
  where
• 10:32
  we're
• 10:33
  breaking
• 10:33
  the
• 10:33
  cycle
• 10:33
  of
• 10:33
  financial
• 10:34
  shame
• 10:34
  with
• 10:34
  confidence
• 10:35
  and
• 10:35
  fai.
• 10:36
  If
• 10:36
  you
• 10:36
  found
• 10:36
  value
• 10:37
  in
• 10:37
  this
• 10:37
  episode,
• 10:38
  a
• 10:38
  simple
• 10:39
  click
• 10:39
  to
• 10:39
  subscribe
• 10:39
  means
• 10:40
  you'll
• 10:40
  be
• 10:40
  invited
• 10:41
  right
• 10:41
  back
• 10:41
  for
• 10:41
  our
• 10:41
  next
• 10:42
  conversation.
• 10:43
  And
• 10:43
  remember,
• 10:44
  financial
• 10:44
  challenges
• 10:45
  don't
• 10:45
  have
• 10:45
  to
• 10:45
  be
• 10:46
  overwhelming.
• 10:46
  Just
• 10:47
  Ask
• 10:47
  Ralph
• 10:47
  this
• 10:48
  show
• 10:48
  is
• 10:48
  a
• 10:48
  production
• 10:49
  of
• 10:49
  Ask
• 10:49
  Ralph
• 10:49
  Media
• 10:50
  and
• 10:50
  is
• 10:50
  supported
• 10:50
  by
• 10:51
  Sagio
• 10:51
  Accounting
• 10:52
  Plus.
• 10:53
  The
• 10:53
  information
• 10:53
  shared
• 10:54
  in
• 10:54
  this
• 10:54
  episode
• 10:54
  is
• 10:54
  based
• 10:55
  on
• 10:55
  data
• 10:55
  available
• 10:56
  as
• 10:56
  of
• 10:56
  the
• 10:56
  date
• 10:56
  of
• 10:57
  release.
• 10:57
  Sajio
• 10:58
  Accounting
• 10:59
  plus
• 10:59
  and
• 10:59
  Ask
• 11:00
  Ralph
• 11:00
  Media,
• 11:00
  Inc.
• 11:01
  Are
• 11:01
  under
• 11:01
  no
• 11:02
  obligation
• 11:02
  to
• 11:02
  update
• 11:03
  this
• 11:03
  content
• 11:03
  if
• 11:04
  circumstances
• 11:04
  change.
• 11:05
  Please
• 11:06
  note
• 11:06
  that
• 11:06
  applying
• 11:06
  this
• 11:07
  information
• 11:07
  to
• 11:07
  your
• 11:07
  personal
• 11:08
  situation
• 11:09
  requires
• 11:09
  careful
• 11:10
  consideration.
• 11:11
  This
• 11:11
  episode
• 11:12
  is
• 11:12
  not
• 11:12
  intended
• 11:13
  to
• 11:13
  serve
• 11:13
  as
• 11:13
  financial,
• 11:14
  tax
• 11:15
  or
• 11:15
  legal
• 11:15
  advice.
• 11:16
  Always
• 11:17
  consult
• 11:17
  your
• 11:17
  trusted
• 11:18
  tax
• 11:18
  advisor
• 11:18
  or
• 11:19
  attorney
• 11:19
  before
• 11:20
  taking
• 11:20
  action
• 11:20
  based
• 11:21
  on
• 11:21
  anything
• 11:21
  we've
• 11:22
  discussed.